A household net worth of about $1.9 million puts you in the top 10% of American households. The top 1% starts around $13.7 million, the top 25% at roughly $659,000 — and half of all US households sit below $192,700.
But overall numbers only tell half the story: a 30-year-old with $400,000 is in a very different position than a 60-year-old with the same amount. Here are the percentile thresholds overall and by age, based on the Federal Reserve's Survey of Consumer Finances.
US net worth percentiles (all households)
| Percentile | Household net worth |
|---|---|
| 25th (bottom quartile) | ~$27,000 |
| 50th (median) | ~$192,700 |
| 75th (top 25%) | ~$659,000 |
| 90th (top 10%) | ~$1.94 million |
| 95th (top 5%) | ~$3.8 million |
| 99th (top 1%) | ~$13.7 million |
Source: Federal Reserve Survey of Consumer Finances (2022, the latest published survey; figures in 2022 dollars).
Top 10% threshold by age
Because wealth compounds over a career, the bar for the top 10% rises steeply with age:
| Age group | Median net worth | Top 10% (90th percentile) |
|---|---|---|
| Under 35 | $39,040 | ~$390,000 |
| 35–44 | $135,300 | ~$980,000 |
| 45–54 | $246,700 | ~$1.76 million |
| 55–64 | $364,270 | ~$2.6 million |
| 65–74 | $409,900 | ~$3.2 million |
| 75+ | $334,700 | ~$2.75 million |
A useful way to read this: a 32-year-old with $400,000 is already in their age group's top 10%, while a 55-year-old with the same amount is only modestly above their cohort's median. Age-adjusted comparison is the honest one.
What these thresholds actually mean
- Net worth is household, not individual. A couple's combined assets count as one household, so single-person comparisons should mentally adjust down.
- The median is the anchor. Half of American households have less than ~$193,000 — if headlines about "average" millionaires make you feel behind, remember the average is distorted by a small number of extremely wealthy households.
- Percentiles are a snapshot; trajectory is the signal. Moving from the 40th to the 60th percentile over five years matters more than where you happen to stand today.
For what drives the differences between age groups — compounding, home equity, debt payoff — see our companion piece on the average net worth by age.
How to find your own percentile
- Calculate your net worth — all assets minus all liabilities.
- Find your age bracket in the table above and compare against the median first, then the 90th percentile.
- Recheck yearly. The interesting question isn't "where am I?" but "which direction am I moving, and how fast?"
Frequently asked questions
What net worth is considered rich?
There's no official line, but the top 10% threshold ($1.9 million per household) is a common benchmark for "wealthy," and the top 1% ($13.7 million) for "rich" in the popular sense.
Does net worth include home equity?
Yes — these figures count your home's market value as an asset and the mortgage as a liability. For many households, home equity is the single largest component.
Where does this data come from?
The Federal Reserve's Survey of Consumer Finances, conducted every three years. The 2022 survey (published October 2023) is the latest; results from the 2025 survey are expected in late 2026, and we'll update this page when they're released.
Curious where you actually stand? NetTrack connects your accounts and calculates your real net worth in minutes — then tracks the trend that matters. Start free.